+4.2%
Merchant balance
₦ 2,847,500
Merchant payments
Manage your
business payments
in one place.
Collect through bank transfers, cards, virtual accounts, and payment links. Settle funds and run payouts from the same merchant workspace.
Register your business to get started. Complete verification to unlock settlements and higher collection limits.
Collections
Inbound bank transfer, card, virtual account, and payment-link activity on one overview.
Virtual accounts
A primary merchant account plus per-customer accounts in NGN, USD, GBP, or EUR.
Payment links
Fixed or flexible NGN amounts, optional expiry, and a URL you can share.
Settlements
Pending settlement on the overview, then batch history you can download as CSV.
Payouts
Single or bulk transfers to Nigerian bank accounts, with saved beneficiaries.
API & webhooks
Live and test keys, webhook events, and request logs inside the merchant workspace.
Product
A merchant workspace, not a stack of payment tools
StockBill is the dashboard merchants use to collect, track, settle, and pay out — with verification gated to CBN KYC requirements.
Collect in the channels you already use
Bank transfer, card, virtual accounts, and payment links all land in merchant balance and today's collections.
See what is settled and what is still pending
The overview keeps merchant balance next to pending settlement so operations are not split across tools.
Move funds out when verification is complete
Payouts, beneficiaries, and bulk CSV uploads live under the same workspace as collections.
Collections
Four ways money comes in
The merchant overview breaks inbound volume by bank transfer, card, virtual account, and payment link — the same channels on the dashboard.
Bank transfer and card
Inbound payments appear as collections with a reference, amount, and status of success, pending, or failed.
Links and accounts
Share a payment link, or issue a virtual account, and reconcile against the same transaction list.
Collection channels
By volume this month
Bank transfer
52% of volume
₦1.79M
Card
28% of volume
₦964K
Virtual account
15% of volume
₦516K
Payment link
5% of volume
₦172K
Virtual accounts
One merchant account, then an account per customer
From Virtual accounts you issue collection accounts against a customer reference, then track inbound payments in the same workspace.
Customer accounts
Create accounts in NGN, USD, GBP, or EUR, optionally with an expiry, then track inbound payments per reference.
Reconcile per customer
Each account keeps a customer reference and label, so collections are not mixed into a single shared number.
Customer collection accounts
Issue an account per customer reference
- NGN · active
Alex Johnson
CUS-7721
- USD · active
Merchant Escrow
CUS-8832
Create with customer reference, account label, currency (NGN, USD, GBP, EUR), and optional expiry.
After collection
Pending settlement first, payouts after verification
Until KYC is approved, the overview holds pending settlement separately from merchant balance. After verification, settlement batches and payouts to Nigerian banks unlock.
Settlement batches
Reports & Settlements lists completed, pending, and processing batches, with a CSV statement download.
Payouts
Single transfers, bulk CSV files, and saved beneficiaries live under Payouts — labeled Transfers in the page itself.
Settlement history
Download statement as CSV
STL-2026-001
Settlement batch
₦425,000
completedPending settlement
Awaiting next batch
₦412,000
pending
Developers
Keys and webhooks sit next to the rest of the workspace
API & webhooks and Settings → Developers are where merchants generate Live or Test keys, subscribe to payment events, and review request logs. There is no separate public docs site yet — the workspace is the integration surface.
Collections request
Developer settings preview a POST to /v1/collections with amount, currency, reference, and customer email.
Keep going
The Developers page walks through authentication, webhook events, and the request log shown in the dashboard.
Dashboard preview · cURL
curl https://api.stockbill.com/v1/collections \
-H "Authorization: Bearer sk_live_••••••••3f9a" \
-H "Content-Type: application/json" \
-d '{
"amount": 50000,
"currency": "NGN",
"reference": "ORD-001",
"customer": { "email": "customer@example.com" }
}'Enterprise — CBN KYC requirements
Register your business to get started.
Create a merchant account, complete verification, and collect through virtual accounts, payment links, bank transfer, and card. Settlements and higher collection limits unlock after KYC.